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UNIDÚO MASTERCARD CREDIT CARD

TREAT YOURSELF AND BE FLEXIBLE BY DEFERRING PAYMENTS 

Are you a customer but still don't have your login details?

Free the first year (1)    

And also from the second year subject to conditions.(2)

Ideal for extra expenses    

As you will pay the same every month.

Maximum flexibility for payment

Choose the installment that best suits you when you sign up for the card and change it when you need to. (3)

Free insurance with the card (4)    

Comes with free travel and accident insurance.

Solicitar tarjeta mastercard crédito unidúo

A HOLIDAY, A RENOVATION OR A WORK OF ART, YOU DECIDE

There's no treat you can't afford if you can choose how to pay for it

The Unidúo Mastercard allows you the flexibility to pay for your purchases as you wish. In the event of an unforeseen event or if you want to treat yourself, you have the option to pay however suits you.

Very convenient for online shopping in stores

And transparent, since Unicaja Banco provides you with a detailed statement of all the transactions carried out with the card.

Contracting process

To sign up for the Unidúo Mastercard Credit Card, you can go to any Unicaja Banco branch, where we will be delighted to help you.

 

If you prefer, you can also apply for the Unidúo Mastercard Credit Card by filling out an application form and indicating the branch where you'd like to process it. We will contact you shortly.

 

Remember that if you have any questions or queries, you can call our customer service team+34 901 24 62 46or +34 952 07 62 63.

Conditions

MAIN FEES

 

Maintenance fee: €39 per year. You do not pay this fee if you are a holder of another Mastercard Debit, Mastercard Credit, Visa Electron or Visa Credit card. Or if you make more than €3,600 worth of purchases and/or mobile top-ups in a year (an average of €300 per month). Cancelled operations and returns do not count. Or if you are the holder of the Fee-Free Plan and you meet the established requirements.

 

Fee for cash withdrawals using your credit card:

4.00% (minimum €3.50), for withdrawals from the ATMs of Unicaja Banco, S.A.

 

4.00% (minimum €3.50) plus 100% of what the owner of the ATM charges Unicaja for that withdrawal. In other words, you will be charged a fee of 4.00% (minimum €3.50) of the amount withdrawn and we will also pass on the amount that the bank that owns the ATM you are using to withdraw money charges us for using their ATM in other banks in Spain (not Unicaja Banco), the Euro Area, Sweden and Romania.

 

5.00% (minimum €5.00) in other countries. In other words, you will be charged a fee of 5.00% (with a minimum of €5.00) of the amount withdrawn in banks that are not in the Euro Area or in  Sweden or Romania.

 

Fee for transactions in currencies other than the euro: 3%This fee will be applied to the amount resulting from the equivalent in euros of all the transactions in foreign currencies (purchases and cash withdrawals) performed with the card in accordance with the exchange rate obtained by the Payment Systems on the date of the corresponding settlement    

 

INTEREST RATE

 

In deferred payment mode the transactions (purchases, cash withdrawals, etc.) made using the card will be added up and you can repay a fixed amount of the credit drawn, which will be settled and paid on a monthly basis every 1st of the calendar month until the full payment of the total of the transactions performed in this payment has been made. The drawn balance will be charged an annual nominal interest rate (NIR) of 22.20%. The AER will vary depending on whether or not the payment of the maintenance fee is taken into account and on the amount of credit on the card. Here are some different examples of the AER:

  • For a credit drawdown on a Unidúo Mastercard Credit Card for a purchase in a Spanish store for €1,500 repaid in 11 monthly installments of €140.54 and a final monthly installment of €140.49, the total amount due would be €1,686.43 (if you do not pay the card maintenance fee), in this case the AER would be 24.60%.
  •  For a credit drawdown on a Unidúo Mastercard Credit Card for a purchase in a Spanish store for €1,500 repaid in 11 monthly installments of €140.54 and a final monthly installment of €140.49, the total amount due would be €1,725.43 (if you pay the annual card maintenance fee of €39.00), in this case the AER would be 31.06%.
  • For a credit drawdown on a Unidúo  Mastercard Credit Card for a purchase in a Spanish store for €3,000 repaid in 11 monthly installments of €281.07 and a final monthly installment of €281.11, the total amount due would be €3,372.88 (if you do not pay the card maintenance fee), in this case the AER would be 24.60%.
  • For a credit drawdown on a Unidúo Mastercard Credit Card for a purchase in a Spanish store for €3,000 repaid in 11 monthly installments of €281.07 and a final monthly installment of  €281.11, the total amount due would be €3,411.88 (if you pay the annual card maintenance fee of €39.00), in this case the AER would be 27.77%.


In all cases the amount of the monthly amortisation will not be, in any event, less than €20, therefore the minimum installment to be paid will be €20, plus the interest and fees that have been generated in the period.

SERVICES RELATED TO YOUR CARDS

No maintenance fee

Comply with a series of requirements and make your card maintenance fee-free.

Configuration of card use

Activate your card or block it when you need to in our APP or through Digital Banking. 

Your cards, secure and under control

Both online and abroad, you can shop easily and securely with your Unicaja cards.

Can we help you?

Leave your number and we will get in touch with you.

Call us on 952 076 263 or on 901 246 246

Other means of contacting us.

ATMs and Branches
Fill in the form

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